Assets Vs No Assets

The key differences

• Collateral-driven: ABLs use assets like inventory, equipment, or receivables to reduce lender risk.
• Performance-driven: Non asset-based loans focus on revenue, cashflow, and history–not what you own.
• Structure: ABL amounts are tied to asset values and advance rates; non-ABL tend to rely on monthly revenue.
• Use case: ABL suits capital-intensive, expansive-focused businesses, while non-ABL works for companies with strong margins and predictable cashflow.